Key Responsibilities:
1. Rating Analysis Analyse each of the names, prepare its corresponding rating, and manage the rating validation process.
2. Risk Approval In cooperation with bankers and product partners, manage the approval process for group limit, client level credit facilities/transactions and etc. This includes assessment of the deliverability and suitability of the business plan, credit facility structure, conditions, risk mitigation and making recommendations, as appropriate.
3. Portfolio Monitoring Post-approval monitoring of transactions and credit lines, control of global exposure and utilization, and watch information arising about the portfolio and update consequently rating and limit classifications; relevant regulatory monitoring, data reporting etc.
4. Risk Culture Contribute to the Santander culture that risk is everyone’s responsibility.
Requirements:
1. Minimum University degree is required.
2. Around 5 years of corporate credit or risk management experience including corporate credit risk analysis, business case evaluation, approval process experience.
3. Good understanding of Chinese market and business environment.
4. Corporate and trade finance products background is valued.
5. Solid understanding of quantitative risk measurement tools.
6. Strong financial analysis skills
7. Strong presentation skills
8. Languages: English & Mandarin required. Other language like Spanish is a plus. Various: Sound Excel, Word and PowerPoint skills. Able to work under pressure. Ability to work in a team environment.
Skills Required
- Minimum university degree
- Around five years of corporate credit or risk management experience
- Corporate credit risk analysis experience
- Business case evaluation experience
- Credit approval process experience
- Good understanding of the Chinese market and business environment
- Corporate and trade finance products background
- Solid understanding of quantitative risk measurement tools
- Strong financial analysis skills
- Strong presentation skills
- English and Mandarin language proficiency
- Spanish language proficiency
- Excel, Word, and PowerPoint skills
- Ability to work under pressure
- Ability to work in a team environment
Santander Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Santander and has not been reviewed or approved by Santander.
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Retirement Support — A dollar‑for‑dollar 401(k) match up to 6% of eligible pay and immediate vesting are highlighted as core strengths, supporting long‑term savings. This is reinforced by company‑paid disability and life/AD&D coverage that bolster financial security.
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Leave & Time Off Breadth — Paid time off typically ranges from 18–30 days in the U.S. with 11 paid holidays, plus dedicated volunteer and development time; the UK features a minimum of 25 days with buy/sell options. Some roles also use self‑managed PTO, offering additional flexibility depending on team norms.
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Parental & Family Support — U.S. parental benefits include 8 weeks paid for all parents and a total of 16 weeks paid for birth mothers, with flexibility for reduced hours around childbirth. Caregiver leave and dependent‑care programs add further family support.
Santander Insights
What We Do
Banco Santander (SAN SM, STD US, BNC LN) is a leading commercial bank, founded in 1857 and headquartered in Spain and one of the largest banks in the world by market capitalization. The group’s activities are consolidated into five global businesses: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking (CIB), Wealth Management & Insurance and Payments (PagoNxt and Cards). This operating model allows the bank to better leverage its unique combination of global scale and local leadership. Santander aims to be the best open financial services platform providing services to individuals, SMEs, corporates, financial institutions and governments. The bank’s purpose is to help people and businesses prosper in a simple, personal and fair way. Santander is building a more responsible bank and has made a number of commitments to support this objective, including raising €220 billion in green financing between 2019 and 2030. In the first quarter of 2024, Banco Santander had €1.3 trillion in total funds, 166 million customers, 8,400 branches and 211,000 employees.
